The 10-Minute Homeowner - Chris Cusimano

10 - The $14 Billion Insurance Secret in Florida

Florida’s insurance market is in chaos but the real story goes deeper than lawsuits and hurricanes. This episode uncovers the hidden financial structures, political decisions, and billion-dollar loopholes shaping the crisis in 2026. Read all about it HERE [https://www.homesbycusi.com/blog/florida-insurance-crisis-2026-hidden-14-billion-scam] Watch the video version HERE [https://youtu.be/UkZd2QesapQ?si=WBkP_9FCa45L9vsX] Get an instant home value estimate HERE [https://www.homesbycusi.com/homevalue] See how The Homes By Cusi Team works HERE [https://www.homesbycusi.com/seller-listing-offer] email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE  [https://docs.google.com/forms/d/e/1FAIpQLSfWte0i7Fz1YH_kOqjU2UhC5TqwoD_eLCZFxGhIPtVbI5CO4A/viewform?usp=header]

9. What Stealth Bombers Over Iran Have to Do With Your Mortgage

A military strike 6,000 miles away shouldn’t affect whether you can buy a home in America… but it does.  WATCH VIDEO HERE [https://youtu.be/nFtL-4xMJx4] In this episode, we break down the hidden pipeline connecting global conflict, oil markets, inflation, and the U.S. housing market. When the United States and Israel launched major strikes against Iranian targets on February 28, 2026, the immediate concerns were military and geopolitical. But almost overnight, the ripple effects began moving through the global economy. Shipping through the Strait of Hormuz slowed dramatically. Oil prices surged. Inflation pressures returned. And suddenly the Federal Reserve’s ability to lower interest rates to help homebuyers started disappearing. The result? Mortgage rates stay elevated, construction costs rise, and housing becomes even more unaffordable for everyday Americans. This episode explores: • Why one narrow shipping channel controls 20% of the world’s oil • How oil prices influence mortgage rates • The historical relationship between war and inflation • Why construction costs are rising so quickly • And why global investors are flooding into U.S. real estate while Americans get priced out Geopolitics isn’t something that only happens overseas. It travels through energy markets, supply chains, and financial systems—until it shows up in your neighborhood as a home you can no longer afford. War, oil, inflation, and housing are all connected. And the effects are happening right now. Get an instant home value estimate HERE [https://www.homesbycusi.com/homevalue] See how The Homes By Cusi Team works HERE [https://www.homesbycusi.com/seller-listing-offer] email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE  [https://docs.google.com/forms/d/e/1FAIpQLSfWte0i7Fz1YH_kOqjU2UhC5TqwoD_eLCZFxGhIPtVbI5CO4A/viewform?usp=header]

8. The Hidden Traps in Florida Real Estate Contracts That Cost Buyers Thousands

Florida may be paradise, but buying a home here can be a legal minefield. In this episode, Chris Cusimano breaks down the “as-is” contract that dominates the Florida housing market—and uncovers how small mistakes can quietly kill deals or cost you thousands. Whether you're a first-time buyer, investor, or real estate pro, you’ll learn how to: * Use the inspection period loophole to your advantage * Avoid the invisible fuse of missed acceptance dates * Navigate escalation clauses and kickout clauses like a pro * Protect yourself from surprise expenses like missing appliances * Close with confidence by handling permits and title negotiations right Don't get burned by the fine print. This episode is your behind-the-scenes guide to mastering Florida real estate contracts. 📍 Chapters: 00:00 – Florida Real Estate is the Wild West 00:40 – What “As-Is” Really Means 01:10 – The Power of the Inspection Period 01:45 – The Invisible Fuse: Acceptance Dates 02:20 – Bidding Wars & Escalation Clauses 03:00 – Kickout Clause Explained 03:50 – The Appliance Trap 04:40 – Permit Pitfalls 05:30 – Title Strategy for Big Savings 06:30 – The Real Cost of Not Knowing the Contract 📌 Save this episode and revisit it before your next Florida real estate deal. 👉 Visit www.coachingbycusi.com [http://www.coachingbycusi.com/] to learn about Chris’s real estate training and coaching programs. Get an instant home value estimate HERE [https://www.homesbycusi.com/homevalue] See how The Homes By Cusi Team works HERE [https://www.homesbycusi.com/seller-listing-offer] email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE  [https://docs.google.com/forms/d/e/1FAIpQLSfWte0i7Fz1YH_kOqjU2UhC5TqwoD_eLCZFxGhIPtVbI5CO4A/viewform?usp=header]

7. Buyers - 7 First-Time Homebuyer Mistakes That Cost Thousands (Especially in Florida)

Most first-time homebuyers don’t lose money because of bad luck — they lose it by following outdated advice. This episode reveals 7 costly mistakes buyers make, including the 20% down payment myth, credit score surprises, Florida property tax reassessments, and insurance inspection failures that can kill a deal. If you’re planning to buy a home, listen before you make these expensive mistakes. grab the contract analysis tool HERE: contractcoachapp.com Get an instant home value estimate HERE [https://www.homesbycusi.com/homevalue] See how The Homes By Cusi Team works HERE [https://www.homesbycusi.com/seller-listing-offer] email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE  [https://docs.google.com/forms/d/e/1FAIpQLSfWte0i7Fz1YH_kOqjU2UhC5TqwoD_eLCZFxGhIPtVbI5CO4A/viewform?usp=header]

6. Buyers: Permanent Rate Buydown vs 3-2-1 Buydown in 2026: The Mortgage Strategy That Saves Buyers More Money

If you’re buying a home in 2026, there’s a mortgage strategy that can lower your monthly payment by hundreds of dollars—but the most popular option isn’t always the smartest one long-term. In this episode, Chris Cusimano breaks down the 3-2-1 temporary rate buydown versus the permanent rate buydown, using real numbers and real buyer scenarios. You’ll learn why the option that feels less exciting upfront can actually save more money over time, and how smart buyers are structuring offers to get sellers to pay for it. This isn’t about timing the market or guessing where interest rates are headed. It’s about understanding how mortgages really work, how interest is front-loaded, and why offer structure matters more than purchase price in 2026. If you’re a home buyer, seller, or investor who wants to make financially smarter decisions—and avoid costly mistakes—this episode will change how you look at mortgage negotiations. 🎧 Topics covered:  • 3-2-1 temporary rate buydown explained  • Permanent rate buydown explained  • Real payment and interest comparisons  • Why long-term savings beat short-term relief  • How to negotiate seller-paid rate buydowns  • Smart offer strategies for 2026 buyers 📍 Buying or selling in Southeast Florida? Reach out to plan the right strategy for your situation.    Permanent Rate Buydown vs 3-2-1… Get an instant home value estimate HERE [https://www.homesbycusi.com/homevalue] See how The Homes By Cusi Team works HERE [https://www.homesbycusi.com/seller-listing-offer] email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE  [https://docs.google.com/forms/d/e/1FAIpQLSfWte0i7Fz1YH_kOqjU2UhC5TqwoD_eLCZFxGhIPtVbI5CO4A/viewform?usp=header]